Pub

I just wondered if anyone could help with the following:

A friend of mine (Alice) and her daughter Beth bought a house with Beths boyfriend, Charlie. A mortgage was taken out with the Bank of Ireland to buy the house.

Some months later it became apparent that Charlie had taken three loans from Black Horse amounting to £25,000. These loans were secured against the property. Charlie had forged the signatures of Alice and Beth in order to secure the loans, and neither of the ladies had any knowledge of this until Charlie defaulted on the payments.

The police were informed and an ‘investigation’ ensued, which revealed that an employee of Black Horse witnessed the forged signatures on THREE occasions. Charlie was cautioned and received a ’slap on the wrist’. No charges were brought against Black Horse or its employee, and the companys own investigation department declared that there was no case to answer.

Now, thats bad enough. But here is the real kick in the teeth. Although Charlie has relinquished any share in the house it is now more or less unsaleable, as there are now substantial charges against the property ( I should add that Charlie also pulled the same stunt with Welcome Finance, to the tune of £6000). Neither of the companies concerned will agree to the charges being removed.

As the loans were obtained through deceit and the companies in question clearly have some culpability in this matter, why should Alice and Beth then be persecuted? They both have been exonerated of any wrong doing, have good credit ratings and no criminal record. But they cannot sell the house as it stands. Legal advice they have taken has been pathetically inadequate, costly and misleading, and the ‘Financial Ombudsman’ gave no help at all and took two years to return the documents they were supplied with.

Can anyone advise?

Tough one. May need to chew it over, but for what it’s worth, this is what I think off the top of my head.

If the Financial Ombudsman has found in favour of the Bank, even though it is clear that what occurred was a financial crime, your only other options are to sue, which is extremely expensive and probably unwise, or get a national newspaper on the case. For example, the Guardian have a consumer section where they help people who have all sorts of issues. If they get their teeth into it, and write to Black Horse, it is funny how suddenly these companies are keen to resolve the situation.

And that is my best option after the Police and the Financial Ombudsmen, basically kick up a fuss, cause a stink, write to national newspapers, put a blog on the internet, basically try and raise awareness of this issue as a WARNING to others! "BLACK Horse can screw anyone over, and nothing you can do about it according to them! That ain’t right". Shout about it.

My black horse has lost a bit of fur where a rug rubbed him. I’m worried it will grow back white. Is there anything I can do to make it black?

Not a darn thing, unless you can re-code his DNA. And it shouldn’t matter, even top show horses have nicks and cuts and areas that aren’t pretty. The color of his coat doesn’t change the type of horse he is.

Just a little about the feel, style, what people wear…

Thank you!

Depends on which night. They get a lot of Rockabilly bands there so you often see people dressed in that style. The rest of the time it’s typical Seattle wear – the same clothes you’d wear no matter where you were going.

I was wondering if anyone had any ideas for a cosplay where I could use my horse. He is a 15.3 hand (medium-large) black horse, and it would be really fun to be able to cosplay something where i could use him. Thanks!

I believe Ganondorf from Zelda had a black horse.

I know that you can turn off random villages and mines, but can you turn off the food bar because I personally don’t like it.
I don’t have a problem with the food I just think you should have a way to heal yourself without waiting for the regeneration

Unfortunately not. I do not think that the creators will be changing this any time soon either.Maybe if a lot of people complain they may change it back

My brother LOVES iced tea, but none of the restaurants we’ve gone to lately have regular Brisk, only raspberry! What’s going on?
EQ (Extra Question): And some places are also banning regular to diet. What’s with that too?

My local deli always has regular Brisk its my favourite! maybe the area your living in didn’t get a delivery?
EQ: to be honest i cant taste much of a difference between the regular and the diet there both lovely!

Am going to work in Cardiff for a few weeks over the forthcoming winter. Can any Cardiff beer drinkers recommend just one or two traditional type real ale pubs near the City Centre? I’m interested in real ale and the traditonal type, older pub.

If you are good enough to reply please say both the name of the Pub and (very important) the street it is in.

Please don’t refer me to websites (I could do that myself) I would like to hear from people who know Cardiff and actually use pubs themselves.

Thanks in advance.

Hi Phil

hope those pubs I gave you in Birmingham a few months ago were ok

Now I haven’t been to Cardiff for about five years but I know these are still going strong

The Vulcan Hotel, Adam Street – head north east from train station past The Big Sleep then under the railway viaduct, pub is on the right, no spit but plenty of sawdust in this Brains house, stopped selling Dark in 2005 & has been threatened with demolition for the last few years
(you will have passed The Golden Cross on the way which is worth a look)

Chapter Arts Centre, Market Road – Pleasant bar in arts centre, plenty of unusual beers on tap or in bottle, good basic grub in cafe next door, good 20 minute walk down Cowbridge Road from station.

Cayo Arms Cathedral Road – Outlet for Tomos Watkins beers, makes a change from Brains, 15 mins from station.

Where Cathedral & Cowbridge Road meet is The Westgate, another good Brains house, beware plastic glasses on big match days because of its proximity to the Millenium Stadium.

I would have liked to have told you about The Glamorgan County Council Staff Club on the corner of Westgate & Quay Streets bang opposite the stadium but it was closed by the council in 2007 "for refurbishment" but hasn’t reopened 4 years later, luckily The City Arms is directly behind.

There you go, a few to choose from, happy drinking!

BQ: What city do you live in?
BQ II: Is the public transport any good?

There is a bus stop right outside my house and I live in Brisbane. It comes every hour, but it’s generally within 5 minutes either side of the scheduled time. And normally even in peak hour it’s alright to get to the city. Although it used to be absolutely terrible not too long ago.

Across the road from my street there is a bus stop and the bus comes every 5 mins
BQ: I live in London
BQ II: Its ok, sometimes there is traffic on Fridays and diversions

for example have plants in the 8th houses,11,7 and 4.
and my friend has 4 planets in the 10th house!

there are 10 planets
there are 12 houses
everyone has some empty houses
look to the sign on the cusp of the 10th house for clues to your 10th house issues (public image, career) and also look to Mars and the aspects it makes. and look to the ruler of the 10th house.

your friend, however, is much more career-oriented

BEDSPACER = One room several beds (you don’t have your own room-you share with others who have rented a bed also)

TENANT = You rent a room of your own in someones home.

EATERY = You see them on the streets all the time with or without seats…you buy your prepared food and eat.

TAVERN = Basically a bar where you can get something to eat also if you are hungry, (usually just some kind of quick eats.